Liability Coverage Solutions

Comprehensive General Liability

Comprehensive General Liability (CGL) insurance is a two-party contract with payments made to a third party. Every business has certain legal liability exposures that must be covered. A General Liability policy protects commercial insured's from those liability exposures.

Products Liability

Product Liability covers bodily injury or property damage incurred as a consequence of some defect in the product sold or manufactured. Product Recall coverage may be added with a sub-limit for an additional premium.

Completed Operations

Coverage is available to indemnify the insured for work performed off site. This would include installation work, construction, servicing or repair work. Completed Operations coverage would pay for bodily injury/property damage cause by negligent or faulty work by an insured. Deductibles of $1,000 and upward are commonly found on a Completed Operations policy. Most General Liability insurance policies exclude Insured's Own Work, or Property in the Care, Custody, or Control of the Insured.

Owners & Contractors Protective Liability

Owners & Contractors Protective (OCP) liability insurance is designed to cover a party that has hired an independent contractor for claims brought against the hiring party that arise from the independent contractor's work on its behalf. Coverage for independent contractor liability is automatically provided under the Commercial General Liability (CGL) insurance policy.

Employment Practices Liability Insurance (EPLI)

EPLI provides coverage for employment discrimination, sexual harassment, and wrongful termination. Coverage includes defense costs as well.

Errors and Omissions/Professional Liability

This policy indemnifies the insured against liability damages (and the cost of defense) based on alleged or real professional errors and omissions or mistakes when acting on behalf of another. Those that may benefit from this type of policy would be: architects/engineers, physicians, attorneys, law enforcement officers, realtors, escrow agents, accountants, stockbrokers, directors and officer of corporations.